De-winterising your boat: Common springtime boat insurance claims and how to avoid them
The clocks going forward marks the real start of the boating season for many UK owners. But after months of winter lay-up, it’s also when insurance claims tend to rise. The good news is that many of these issues are entirely preventable.
Avoiding common springtime boat insurance claims
Isn’t it great that we’re starting to see a little sunshine? For many UK boat owners, spring means one thing: getting back on the water. But after months of winter lay-up, the start of the season is also when we see a spike in insurance claims. Luckily, many of these are entirely preventable.
Whatever your vessel, here are eight of the most common spring claims (and how to avoid them!)
Boat engine failure
The much-anticipated first trip out might be when dormant issues appear. After months of silence, an engine rarely appreciates being asked to perform immediately.
Before departure, it’s important to check and replace stale fuel, inspect hoses, belts, and filters, and ensure cooling systems are fully recommissioned by changing the impeller if necessary. Also, check that the seacock is fully engaging in both the open and closed positions and consider fuel polishing or treating to prevent diesel bug. You should also check the main fuel filter linked to the engine. Running the engine briefly while still in the marina helps catch potential issues before you’re on the water.
Perished pipes
Even if you’ve taken every step to winterise your vessel, there could still be damage. While everything may appear fine, once the system is pressurised again, slow leaks may begin that can potentially go unnoticed.
Your pipe work is susceptible to the same sort of winter damage you might see around your home and garden. Potential causes of damage include a small pocket of trapped water in a mixer tap, a hairline fracture in a fitting or a calorifier that wasn’t fully drained.
We’d recommend carefully recommissioning your water systems gradually. Inspect all fittings, fixtures and taps for signs of moisture as you gradually pressurise the system. Do this over several hours before you leave your boat unattended.
Check your boat battery
A flat or damaged battery can leave you stranded before you’ve even left the marina. You may have charged your battery in the off-season, but they really aren’t fans of winter.
As part of recommissioning your boat, check the condition of the battery, electrolyte levels (for non-sealed types), and terminals for corrosion. Load-test the battery to be sure it can deliver the power needed on the water, and top it up with distilled water if required to ensure a reliable start. As a precaution, we’d also advise carrying a backup battery or jump-start equipment.
Water ingress in your boat
This winter has been a wet one throughout the UK, and these types of conditions can reveal leaks you didn’t know existed. As well as being a nuisance, water ingress can damage electrical systems and, in extreme cases, affect your vessel’s stability.
Carry out important checks throughout hulls, hatches, and seals looking for cracks or gaps. While you’re doing this, make sure your bilge pump operates correctly and test the float switch. A small patch or sealant now can save significant repair costs later.
Electrical faults
The cold and wet weather can play havoc with wiring and electronics. Connections may corrode, fuses may blow, and exposed terminals could spark trouble.
It’s very important to inspect all wiring harnesses, battery isolators, navigation lights, and auxiliary systems. A careful visual check, combined with a short test run of each system, will help avoid mid-season failures.
Canvas and upholstery damage on boats
Sun, frost, rain and even critters can take their toll on covers, dodgers, and upholstery. Stains, cracks, or mould often appear first after winter storage.
Before hitting the water, clean and condition all canvas and vinyl surfaces. Small tears in covers can quickly enlarge if left unchecked, so repair or reinforce vulnerable areas to avoid unnecessary insurance claims.
Trailer mishaps
Often overlooked, if your boat spends part of the season on a trailer, spring is the time when issues become apparent. Tyre pressure may have dropped, wheel bearings could be corroded, and lights may have shorted during the winter.
Inspect every part of your trailer and carry out a test tow to catch problems before they become costly accidents.
Fire hazards
It’s important to be aware that boats are particularly vulnerable to fires during engine recommissioning and electrical checks. Fuel leaks, frayed wires, or overloaded circuits can ignite quickly. Always ventilate engine compartments, check for odours, and never leave the boat unattended with running systems.
As a final note, above all, your safety comes first. So make sure carbon monoxide monitors are fitted and working, fire extinguishers are up to date, and all safety equipment is in good order. The Boat Safety Scheme is a great source of advice when it comes to keeping everyone on board safe and helping ensure that your first trip of the season is as enjoyable as it is secure!
And when it comes to insurance, our team of experienced boaters and insurance specialists are here to guide you through their insurance product options for your vessel, allowing you to consider the appropriate coverage so that you can enjoy every outing with confidence. Why not get in touch to find out more?